Have you checked your attitude towards money lately? What is "your dream"? bigger home, a bigger car, private schools, branded drink, gold?...
Money for for things that are important in life: you family, your people, health, well being, ... Do not be afraid to spend the money on your people when they really need it, but be wary of spending it on stupid things and if you think your car and your clothes are important, you may want to start thinking if you have any significant goal in life and where does it get you in the next 10 years.
yes, I agree with your opinion.
Using money to spend on family needs is very important in my opinion, making the family prosperous with the money you currently have is the most feasible option.
but there's nothing wrong with having a lot of money you also need to do charity, for example helping street children, orphanages and sending neglected children to school. and more importantly also investment for your old age